Tetzlaff v. Educational Credit Management Corp.

(1) Whether the Brunner test is the proper standard for determining "undue hardship" for the discharge of student loan debt; and (2) whether, if the Brunner test is the proper standard, that test should be (i) modified to eliminate the requirement that a debtor in the past have "made a good faith effort to repay the loans," and (ii) clarified to establish that a debtor need only prove by a preponderance of the evidence that his inability to pay is "likely to persist for a significant portion of the repayment period," not that there is a "certainty of hopelessness."